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Across
  1. 2. Acronym for limitation of benefits for conditions such as sprains or strains.
  2. 3. Active participation in a riot is an example of an ____________ for disability benefits.
  3. 4. Increases in Other Income benefits that would not reduce LTD benefit (acronym).
  4. 7. Shorthand for standard definition of disability throughout EP and typically 24 months of benefits.
  5. 11. Period from date disability commenced through LTD benefit start date where no benefits are payable
  6. 12. Payment arrangement in which the insurance company assumes liability and pays benefits.
  7. 14. Word used to describe the percentage of predisability earnings that claimant must be unable to earn in order to meet the definition of disability.
  8. 15. This document includes information including premium rates and payment arrangements and customer responsibilities.
  9. 16. Standard definition of disability after the change in definition of disability.
  10. 17. An individual disability insurance policy that would not reduce LTD benefits (acronym).
  11. 18. Standard percentage of benefit increase under the Rehabilitation Incentive.
  12. 19. Shorthand for interview template to address potential sources of Other Income.
  13. 21. Contribution arrangement in which the employer pays the premiums.
Down
  1. 1. Word used to describe provisions addressing when EE would be required to begin a new elimination period following return to work before or after completion of elimination period.
  2. 2. Exclusion to the Mental and Nervous disorder limited disability benefit provision that would include conditions such as Alzheimer’s and traumatic brain injuries.
  3. 5. Funding arrangement where employer funds benefits and retains insurance company for varying types of services.
  4. 6. Portion of the Certificate that addresses benefits, elimination period and maximum benefit period
  5. 8. This incentive will pay up to $400 for care of each eligible dependent
  6. 9. When claimant pays all or a portion of premiums.
  7. 10. In the eligibility phase of the claim pathway, eligibility of _____________ is required to verify appropriate enrollment, all eligibility requirements are satisfied, etc.
  8. 13. Acronym for limited disability benefits.
  9. 20. This incentive allows for return to work while disabled.